Everest Cash Advance reviews and complaints

I took out a small loan and was given a due date on when my payment will be due. I was told if I was to pay it off early that the fees for the loan would be less than what was quoted to me...I tried to contact this company by phone to make my payment early and the phone rings then tells you to select an option for the purpose of your call...at this point, I was put on hold and the automated system assured me that my call was important and that my call will be answered in the order it was received...after being on hold for 5 minutes it tells you to leave a message (which I did). NO ONE as of yet has called me back to resolve my issue (14 days later). I've tried several times on different days and still nothing...I then tried to pay using the website and it gives me an error message when I choose the return customer and customer service option. I googled this company and came across this complaint page and have immediately changed my account info...if they want their money back, they'll have to contact me directly and at that time will receive a Money Order...I will no longer use this company and they may have ruined the chances of me using any other service such as this one...BUYERS BEWARE!

I was given a coupon for $60.00. I talked with a guy that could barely speak English but I could understand him. We went over everything that I would not be charged until September 20th but I was charged $75.00 on September 13th. When I called to complain another Indian guy (no I am not racist) stated there was never a phone call and lied about what I agreed to. Really! How did I agree to something if there was never a phone call. EVERYTHING WAS A BIG LIE! THEY ARE FRAUDULENT! I have gone to the BBB and will go even further. I am just getting the word out to warn people you are in big trouble if you deal with them. You cannot believe their advertisements, their Customer Service is a joke! Please avoid this company at all costs!

YOU NEED TO DEMAND A REFUND! I WROTE LETTERS TO EVEREST CASH ADVANCE & WAS VERY BLUNT & TO THE POINT! THEY ARE AN ILLEGAL LENDING COMPANY DO NOT PAY THEM A DIME! OVER THE PRINCIPLE AMOUNT! AND THEY ACTUALLY REFUNDED ME MY MONEY! CAUSE I THREATENED TO TAKE THEM TO COURT & SHUT THEM DOWN!

I just applied (literally) for a advance loan with this company. I reviewed the loan agreement and then called. I was greeted by a representative and I started asking questions...such as why does it say that 575 will be due on my next payday? What is the point of a loan if your expected to pay it back the next week? He said no only 75 comes out of your account and then 150 every other week after that. Then they start charging you 75 when you hit the 5th week and none of that money goes toward the loan until the 5th week. I got approved for 500 with a 75 finance charge. BEWARE! ITS A TRAP! See its like this...I pay 75 week 1, 150 week 2, 150 week 3, 150 week 4 and then there is a balance of 50 week 5. So its not paid up and they charge me an additional 75 every payday so I am always behind and cant pay it off unless I pay early. So in essence I am paying triple or more for a 500 loan...no thank you! I told the man no way and thanked him for his time. Nothing worse than people who thrive off of other peoples misfortunes...I am just thankful that I asked questions first and read the agreement...READ READ READ before you sign!

I took out a small loan and was told to pay 60.00 interest towards loan so I told the loan rep to take the full amount out on the specified date. The date came and they took 60.00 only so I called to see why did they do that and they indicated you still owe 260.00 and I only borrowed 200.00. I explained that the rep explained only 60.00 extra would be taken out as the interest the foreign speaking man stated that was a finders fee. I said what are you talking about and he said every two weeks you will be deducted 60.00 I stated no you will not you will take 200.00 now and I will never deal with you all ever again. He stated ok well we will take 230.00 out tomorrow I stated do that so I will be done with you guys and never will I deal with you again. This organization are liars and they steal so please do not ever deal with them they are a foreign country who is stealing from us. FRAUD ALERT!

I had a man call me and tell me that Everest cash advance was suing me for the money that I owed I called back to the man and asked how much I owed still haven't heard they were taking money out of my account so what happened my name is Eartha Johnson [protected] or [protected]

Ghee thanx for the tip but not needed. I don't use payday scammers ever. It's people like you who are keeping this scammers in scamming "business." And don't think any other payday lender is different. Google peer to peer lending if you must do short term borrowing. But I suggest you fix whatever is getting you in this situation.
Perhaps look into dave ramsey's 7 step formula http://www.daveramsey.com/new/baby-steps/
Good luck.

Avoid payday loans with everything you have got - it's taxation on the poor/broke. It guarantees the poor/broke remain in debt bondage. go to daveramsey.com and learn about this stuff. It's better you get the loan from a friend and repay with a decent interest say $50 and keep your word.

They did this to me after receiving 600 for a 300 loan..how do they sleep at night ughhhhhhhhhhhh

how do you block them to make them stop keep taking money from your accoutn who do i talk too?

Total Recovery is actually a 3rd Party Debt Collector. When you don't pay back your loan from Everest, that is who your account will be turned over to for collection. They can legally collect debt from you - even take you to court to recover the fees you owe.

Everest was sent a desist and refrain order and an order to disgorge by the state of California back in 2011. They were and still are unlicensed to provide loans to anyone in the state of California. I had a loan out with them and had been paying and rolling over, which I initially had no problem with, but then I started receiving emails from them asking for debit card information - this made me suspicious. After checking with the California Department of Business Oversite I learned that they and many other unlicensed Payday Lenders have been blocked from accessing California bank accounts. The reason for this is that they charge more than the legal rate for California and are still unlicensed. Since I'd basically already given them back more than I borrowed, I told them that they could not have my debit card info, and I emailed them copies of the notice given to the banks and a copy of the desist and refrain order, and that we were simply done. This was a couple months ago, but as of last Friday, the collection calls have begun. I've told the collection agency all the above information, as well as the fact that since Everest already knew that they are not supposed to lend to Californians, and my address is CLEARLY in California, that they should have rejected the loan request and their knowledge of all of the above makes the entire contract void. Of course, the collection agency won't listen. I've already submitted complaints to California's Department of Business Oversight (which of course will take forever, but the calls don't really bother me), and if it goes to a credit bureau, it will easily be expunged with the above information.

NO - check out this website: http://nasonlawfirm.com/archives/26
payday loans are illegal in most states... do you have the loan terms for everest or does anyone have a copy of them? i need them for a complaint I am making... thanks

Everest has given myname to a lawyer and they have threatened to arrest me and contact my job...If I don't pay can they really arrest me?

I visited their site too, and started an application, then decided against using them as the amount they said i qualified for was not what i wanted. i did not complete the application, did not authorize or sign any agreement. About 8 days later I went to my account to make a bill payment and I saw that they had deposited $500 in my account. I called them immediately and told them i did not authorize a loan and asked them to take the money back i did not want it nor agree to it. They refused, and they took $75 out of my account for a so called "extension" that i never requested. I filed a complaint with my bank, and am filing complaints for fraud against them.

This company seems to be part of a scam. I had no problems until i took out a loan through them. A company called county check services somehow got my info and tried to scam me for 1500. A message on a complaint page such as this published by the FBI says county check services is a scam and seem to get their info after the victim has got a loan from a payday loan place. They list cash net as one of the places, but no mention of everest. However cash net was just one example. After further reasearch I found everst cash advance isn't even licsend to do buiesness in the US. Therefore they cannot take legal aginst you if you choose to not pay them back. However none of the info I recieved is gaurenteed to be correct so i suggest you do your own reasearch as well and let me know if your situation is the same.

And ps...to the person who took her son to the bank, closed out his account and called Everest for him...can't he do anything for himself? Good God.

Obviously, none of you who are complaining actually read the online terms before you clicked "continue" on their site. It CLEARLY states that only the finance charge will be deducted on the first installment and the loan amount, with interest, will be automatically extended unless you call to cancel the extension and agree to pay the full amount on the first installment. The interest continues to accrue if you allow the extension to remain intact.
You don't read what you sign, then you get on the internet and slam a company whose terms were disclosed and which you agreed to. Good luck pursuing that in court! I have taken out a payday loan from Everest, I READ the terms, I asked questions before I committed...when they explained what exactly the extension meant, I told them I wanted it paid off on the first installment and they entered that into their system. If I have any complaints after the first installment, then my complaint will be legitimate...it won't be because I leaped before I looked. I read what I was signing, I asked questions, I stated my terms before I committed to the agreement. I foresee no problems with this going exactly as I arranged. Will update here after the loan matures. In the meantime, READ WHAT YOU'RE SIGNING before you start whining!

i have just took out a 400 doller payday loan an as any payday loan placew you will deal with the same thing if you dont pay the loan off you will have to keep paying roll over charges that's that if you cant handle dealing with a payday loan then you should not have taken one out if you just pay it like you said you would then you would not have a problem at all

You have to actually pay the loan back. If you had paid back on the next pay date (as the company intends) you would have only paid $390. $300 + the finance fee of $90. Since you chose not to pay it back on your paydate, the company only took the finance fee and will keep doing so until you choose to pay down the principal of the loan. If you don't pay down the principal, you are simply rolling over the loan any paying just the finance fee each month - the same you would do on a credit card or line of credit. You should only take out a payday loan if you are planning to pay it back quickly.

My husband took out a payday loan from Everest. BIG MISTAKE! He has already paid back the amount plus what would be the interest. They are still taking $120 out. He canceled the payments, and they decided to take $145 out anyways. We canceled our bank account, and are possibly going to take legal action. He has had pay day loans in the past, and say one was for $300, he paid back $380 and was done. Everest however is not a good place to deal with, and I hope no one ever goes through them again.

You should have returned the $750 from Everest. It was obviously a mistake (possibly on the bank's part or whoever at the company processed the wire transfers?) You should have contacted them immediately, explained what happened and they would have taken back the $750 and probably apologized for the mistake. Instead you kept the money. So, basically you stole from the company and closed your account which will cause them to go after you in Collections.

In the future, don't take money that isn't yours. Yes, they made the mistake, but this happens with banks all the time and they expect the money to be returned.

EVEREST is a big rip off I also had a loan from them NEVER AGAIN WILL I BORROW FROM A CASH advance Online place they are all Crooks and should be locked up for life they prey on desperate people and put them in an even worst situation. After I paid them off I blocked their email and hang up when they call. Everest is worst of all and the highest out there had $400.00 and they charged me $192.00 to pay it off...### stay clear of them

I got a $500 payday loan from this place. WORST MISTAKE EVER! I should have know when I saw the interest rate at 999% that something was terribly wrong. They were going to charge me $150 to borrow $500. I figured it was really expensive but I needed the money. So I assumed when the due date came that they would take $650 out of my account. They called me a few days ahead of my due date and asked me if I would like to make payment arrangements and just pay $150. I said sure. Then they took out another $150 on my next payday. Then I stared to get a bad feeling that I wasn't fully understanding the terminology of the contract and what was going on. This place was going to take $150 every two weeks up to 5 times before it would even start paying down the principle. Once I realized that so far I have paid $300 to borrow $500 I panicked and told my mom. She looked it up and these guys are located on the island of Nevis so they are not in the U.S. and are violating U.S. law. I closed my bank account and got a money order for the $500 I owe and am sending it registered mail. I'm expecting the phone calls at work to start coming once they can't touch my account anymore. We'll see.

same thing here what did you do about it

Just a little add on: The only reason I turned to my bank to stop payment is because I thought this company was a shame! It is very odd that when you call, you're left on hold until finally the call is dropped, and they wouldn't replay to my e-mails. What else was I to do! Let them keep taking my money!

I wish I would have read these complaints before I got a loan. The only way I could get them to stop taking money out of my checking account was to have my bank place a stop payment. Now they are trying to get $2, 200 more out of me. My loan was only for $400.00 and there is no where on the website to repay the loan. No one will return my call, or reply to my e-mails. I just wanted to a statement in writing with my balance owing, but all they have done so far is treats of payroll garnishment. If anyone has a class action against them, I would love to join in.

I wonder if we could file a class action against these scam artists this is absurd

I agree with you i took out $300.00 loan 2 days before payday and they want to charge me $90 for a two day loan i said that was ridiculous, so they cut the cost in to $45. After two weeks they want me to pay a additional $90 more toward the finance charge of three hundred, i paid the $300. and the balance now is $117.00 dollars.
This loan coast me $157.00 in less than 3o days is crazy. The average 3o day loan on $300.00 loan is $42.50. this company is making $30. on every $100.00 dollars borrowed. They get you into this cycle where you can never get out off. The Funny thing about how i decided to this was through Money Mutual which is endorsed by Montel Williams. I wonder how much money he is getting paid for his endorsement. Everest Cash Advance is A RIP OFF. Another crazy issue is that you can hardly ever call them and some one answers immediately, there line are all always busy as if customers are lining up for there ridiculous scam.

Everestcashadvance.com is a rip off people.. Before signing anything thru these online lenders make sure they are licenced and regulating the state rules and guidelines. The bbb reports that everest cash advance is not accredited thru them and the occc of tx says they cannot find information on them and in Arizona the attorney general has filed a suit against this so called loan company. They are having issues all across the unites stated with this everest cash advance and like so many other people I was in dire need of some cash and took right into it before knowing the tx rates and financing fees are so different than what I been charged. My 400.00 loan has cost me over 1000.00 in just 4 months.. Frustrating and pisses me off I wasn't smart enough to find out before I jumped!

this company is nothing but scammers. i got desperate for a 350 loan and they said they deposited it that my bank was holding it . i called my bank and was told they rejected it cuz these idiots didn't have the last 4 digits of the account, so i go thru hell with explaining and holding and frustrations. then on day 4 of the same day cash loan i get some lady saying that they cant do anything until the rejected deposit gets back to them and then they will do a new loan and they need all kinds of crazy stuff to approve it...i told them that i will talk negative about them til i die. i hope all the people that work there have financial trouble and loose their cars, jobs and homes. i could have done something else in the 4 days of my life that they wasted. for Clarence i hope you stop being deceitful and for Ashley k who wouldn't get on the phone and them all of the sudden wasn't there...i wish you only ill will. LIARS, SCAMMERS AND DARK HEARTED OXYGEN THIEVES!

Why could you not find any information? Where were the loan documents you signed? The email communications when you received your loan? You should have had dozens of communications with them. Did you check your spam folder? In order to receive the loan in the first place you had to speak with them - they told you about the $45 and the $90 finance fees. They also would have told you how to paydown or payoff the loan. From experience, I can tell you that they DO begin paying down the principal of the loan after you have rolled it over 5 times. They would have sent you an email explaining that as well. You should have been more pro-active in reading your emails from the company and reading the loan documents you had to have signed.

DO NOT, I REPEAT, DO NOT pay them anything further! Close your account ASAP and open a new one because they will continue to deduct money from your account until you do. Check out a site called Debt Consolidation Care because they have a wealth of information on how to deal with these crooks!